Whole Life | Comparison Table

Compare among 3
Whole Life Plans

PRUActive Life III
PRUActive LinkGuard
PRULife Vantage Achiever Prime Series
Death coverage
Total Permanent Disability coverage
Critical Illness coverage
Cancer coverage
Covers existing conditions
Continued coverage after claim
Payment term
Multiplier
Death coverage
Yes
Total Permanent Disability coverage
Yes, for whole of life
Critical Illness coverage
Optional add-on
Cancer coverage
No
Covers existing conditions
No
Continued coverage after claim
Yes, unless a claim has been paid out for death (or the full acceleration of the death benefit)
Payment term
5 to 35 years
Multiplier
Choice of 2X, 3X, 4X or 5X multiplier, until age of 65, 70, 75 or 80, covering Death, Terminal Illness, Total and Permanent Disability1
Yes
Yes
Optional add-on
No
No
No
Whole of life
Twice as much protection against Death, Terminal Illness and Total Permanent Disability before age 502
Yes, higher coverage with Multiplier Benefit5 for death and terminal illness until age 85 or 100
Optional add-on
No
No
No
No
One-time or regular payments across 3 to 30 years3
With higher protection against death and terminal illness through Multiplier Benefit4 up to age 85 or 100

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Footnotes

Please refer to the Product Summary and Policy Document for details of the terms and conditions.

1Multiplier Benefit is applicable only if you choose to have this benefit when you purchase the plan. It comes with choices of 2x, 3x, 4x or 5x and Expiry Age choices of 65, 70, 75 or 80. Multiplier Benefit and the Multiplier Benefit Expiry Age will apply to PRUActive Life III and its attached Early Crisis Care and Crisis Care supplementary benefit.

2Optional to retain the Multiplier Benefit throughout the policy term

3Regular premium payment of 3 to 30 years apply to USD denominated policies. For SGD denominated policies, only a premium paying term of 5 years is applicable.

4On death or terminal illness of the life assured, before Multiplier Benefit expiry age 85 or 100, we pay the higher of: The sum assured for death plus all non-guaranteed bonuses or The Multiplier Benefit, less any amounts owing to us. Multiplier Benefit is the minimum sum of benefit payout for death and terminal illness before the multiplier expiry age of 85 or 100. Multiplier expiry age of 100 is not applicable for regular premium plans.

5On death or terminal illness of the life assured
(a) before Multiplier Benefit expiry age 85 or 100, we pay the higher of:
     (i) The sum assured for death plus all non-guaranteed bonuses; or
     (ii) The Multiplier Benefit, less any amounts owing to us.
(b) after Multiplier Benefit expiry age 85 or 100, we pay the sum assured for death plus all non-guaranteed bonuses, less any amounts owing to us.
(c) Multiplier Benefit expiry age 100 option is not applicable to PRULife Vantage Achiever Prime (USD) and PRULife Vantage Achiever Prime II (SGD) Regular Premium.